BlastPoint's Credit Union Scorecard
ROCKET
Charter #9799 · TX
ROCKET has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 18.76% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Member decline: -5.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,975
-5.3% YoY-1.0% QoQ
|
+359 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$29.0M
-4.1% YoY-2.2% QoQ
|
$-1.1M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$21.8M
+1.5% YoY+1.2% QoQ
|
+$6.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$25.8M
-3.8% YoY-1.6% QoQ
|
+$162K |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.0%
-100.1% YoY-98.2% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
4.0%
+11.0% YoY+3.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
101.3%
-22.7% YoY+1.1% QoQ
|
+18.8% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
1.9%
-18.6% YoY+28.7% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
84.5%
+5.5% YoY+2.8% QoQ
|
+23.9% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$16,033
+4.1% YoY+0.7% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
15.8%
-0.9% YoY+4.8% QoQ
|
-8.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
1.5%
-7.9% QoQ
|
-12.3% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)